**4.1 Descriptive statistics**

The results of descriptive statistics for the variables are presented in **Table 3**. **Table 3** shows that the mean of dependent variables (ROA and ROE) are 0.358 and 8.776, respectively. **Table 3** depicts that the mean of the SSB-SCORE is 3.399, ranges from 0 to 5. This is in line with the findings of [27] who report that the mean value of SSB-SCORE for GCC and Southeast Asia IBs is 3.500. Turning to the bank and country variables (bank size, bank age, GDP and inflation rate), **Table 3** shows that the mean of these variables are 5.977, 0.983, 4.062 and 5.591, respectively.
